Question about a CC paid less than balance owed

[andrea1212]

WFNNB/EXPRES  - This account was paid in a settlement- anyone to get it off? this is what it says for account details: ayment after charge off/collection Settled - less than full balance   [Experian] Account legally paid in full for lass than the full balance. Unpaid balance reported as a loss by credit grantor. Account legally paid in full for less than the full balance.   [Equifax] Settlement accepted on this account Closed or paid account/zero balance

	TransUnion	Experian	Equifax
Account #:	3
Condition:	Paid	Paid	Paid
Balance:	$0	$0	$0
Type:	Charge account	Charge account
Pay Status:	Collection/Chargeoff	Collection/Chargeoff	Collection/Chargeoff

[andrea1212]

* any way to remove this off my report? Best way to go around getting something like this off? Sorry i am new to all of this.

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@andrea1212 wrote:

WFNNB/EXPRES  - This account was paid in a settlement- anyone to get it off? this is what it says for account details: ayment after charge off/collection Settled - less than full balance   [Experian] Account legally paid in full for lass than the full balance. Unpaid balance reported as a loss by credit grantor. Account legally paid in full for less than the full balance.   [Equifax] Settlement accepted on this account Closed or paid account/zero balance

	TransUnion	Experian	Equifax
Account #:	3
Condition:	Paid	Paid	Paid
Balance:	$0	$0	$0
Type:	Charge account	Charge account
Pay Status:	Collection/Chargeoff	Collection/Chargeoff	Collection/Chargeoff

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[llecs]

Mail a GW letter asking for a deletion, and/or call them too.

[andrea1212]

Do you think i should do both?

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@llecs wrote:

Mail a GW letter asking for a deletion, and/or call them too.

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[pizzadude]

I'd call them first.   If they say no, then start sending letters and/or emails.

[andrea1212]

What if i don't know the account number?  On the credit report for each tu, ex, etc.. where it says acct number it says a diffrent number.

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@pizzadude wrote:

I'd call them first.   If they say no, then start sending letters and/or emails.

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[pizzadude]

Sometimes creditors can look up your account via SSN #.   How old is this account ?

Do you have any old statements or cards in a desk somewhere that might have the # ?

[andrea1212]

No not at all; i also moved since then. I haven't done anything with this  account since like 2004/2005.

I guess i have e-mail/or mail.. there is no number on the listings on my report. it says contact only by mail only.

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@pizzadude wrote:

Sometimes creditors can look up your account via SSN #.   How old is this account ?

Do you have any old statements or cards in a desk somewhere that might have the # ?

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[Anonymous]

If you haven't done anything with this account since 2004/2005 it's possible it may be coming off here on its own shortly.  Pull your free reports from annualcreditreport.com and find out the fall off date.  You may not need to do anything. 

[RobertEG]

+1

The date you are looking for is not the date of the charge-off.  You need to locate the date that it first went delinquent with the OC, and was not brought back into good-standing before they did the charge-off. Add 7 years plus 180 days to that DOFD, and that is the date after which the CO can no longer appear in your CR.

The fact that it was paid for less than the full amount is a negative statement that looks bad on manual review of your CR.  However, it is related to the adverse item, so the comment will also be excluded once the CR exclusion date has arrived.